THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and affords protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an a credit union's financial strength, capital is useful. From a safety and soundness perspective, more capital is preferred.
On our test to measure capital adequacy, ADVANTAGE received a score of 6 out of a possible 30 points, falling short of the national average of 15.65.
ADVANTAGE had a capitalization ratio of 6.00 percent in our test, lower than the average for all credit unions, suggesting that it's weaker than its peers.